Sustainable Finance

Sustainable Finance Documents

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Sustainable Financing Framework

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Second Party Opinion (SPO)

Investor Toolkit

As part of our ongoing commitment to improve our communication streams with the investment community, NBK Investors' Toolkit provides an overall insight to our Financial Performance, Share Overview in addition to the Group's Fact Sheet.

Investor Presentations

We provide timely and relevant Investor Presentations reflecting the most recent financial as well as non-financial information. View and download our latest Investor Presentations.

Latest Investor Presentations

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NBK FY 2022 Investor Presentation

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NBK 3Q 2022 Investor Presentation

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NBK 2Q 2022 Investor Presentation

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NBK 1Q 2022 Investor Presentation

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NBK FY 2021 Investor Presentation

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NBK 3Q 2021 Investor Presentation

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NBK 2Q 2021 Investor Presentation

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NBK 1Q 2021 Investor Presentation

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NBK FY 2020 Investor Presentation

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NBK 3Q 2020 Investor Presentation

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NBK 2Q 2020 Investor Presentation

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NBK 1Q 2020 Investor Presentation

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NBK FY 2019 Investor Presentation

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NBK 3Q 2019 Investor Presentation

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NBK 2Q 2019 Investor Presentation

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NBK 1Q 2019 Investor Presentation

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NBK FY 2018 Investor Presentation

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NBK 3Q 2018 Investor Presentation

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NBK 2Q 2018 Investor Presentation

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NBK 1Q 2018 Investor Presentation

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NBK FY 2017 Investor Presentation

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NBK 3Q 2017 Investor Presentation

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NBK 2Q 2017 Investor Presentation

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NBK 1Q 2017 Investor Presentation

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NBK FY 2016 Investor Presentation

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NBK 3Q 2016 Investor Presentation

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NBK 2Q 2016 Investor Presentation

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NBK 1Q 2016 Investor Presentation

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NBK FY 2015 Investor Presentation

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NBK 3Q 2015 Investor Presentation

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NBK 2Q 2015 Investor Presentation

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NBK 1Q 2015 Investor Presentation

Investors/Analyst Conference Calls

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NBK FY 2022 Earnings Call Transcript

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NBK FY 2022 Earnings Call Presentation

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NBK 3Q 2022 Earnings Call Transcript

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NBK 3Q 2022 Earnings Call Presentation

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NBK 2Q 2022 Earnings Call Transcript

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NBK 2Q 2022 Earnings Call Presentation

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NBK 1Q 2022 Earnings Call Transcript

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NBK 1Q 2022 Earnings Call Presentation

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NBK FY 2021 Earnings Call Transcript

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NBK FY 2021 Earnings Call Presentation

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NBK 3Q 2021 Earnings Call Transcript

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NBK 3Q 2021 Earnings Call Presentation

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NBK 2Q 2021 Earnings Call Transcript

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NBK 2Q 2021 Earnings Call Presentation

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NBK 1Q 2021 Earnings Call Transcript

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NBK 1Q 2021 Earnings Call Presentation

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NBK FY 2020 Earnings Call Transcript

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NBK FY 2020 Earnings Call Presentation

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NBK 3Q 2020 Earnings Call Transcript

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NBK 3Q 2020 Earnings Call Presentation

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NBK 1Q/2Q 2020 Earnings Call Transcript

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NBK 1Q/2Q 2020 Earnings Call Presentation

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NBK FY 2019 Earnings Call Transcript

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NBK FY 2019 Earnings Call Presentation

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NBK 3Q 2019 Earnings Call Transcript

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NBK 3Q 2019 Earnings Call Presentation

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NBK Q2 2019 Earnings Call Transcript

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NBK 2Q 2019 Earnings Call Presentation

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NBK 1Q 2019 Earnings Call Transcript

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NBK 1Q 2019 Earnings Call Presentation

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NBK FY 2018 Earnings Call Transcript

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NBK FY 2018 Earnings Call Presentation

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NBK 3Q 2018 Earnings Call Transcript

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NBK 3Q 2018 Earnings Call Presentation

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NBK 2Q 2018 Earnings Call Transcript

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NBK 2Q 2018 Earnings Call Presentation

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NBK 1Q 2018 Earnings Call Transcript

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NBK 1Q 2018 Earnings Call Presentation

Financial Reports

Access NBK’s financial reports to view the Bank’s financial performance.

Date	Annual	Size
31.12.2022	NBK Financial Statements 2022	1.27 mb
31.12.2022	NBK Liquidity Disclosure 4Q 2022	627.53 kb
31.12.2022	NBK NSFR Disclosure 4Q 2022	507.11 kb
31.12.2021	NBK Annual Report 2021	5.30 mb
31.12.2021	NBK Financial Statements 2021	1.28 mb
31.12.2021	NBK Liquidity Disclosure 4Q 2021	627.34 kb
31.12.2021	NBK NSFR Disclosure 4Q 2021	507.09 kb
31.12.2020	NBK Annual Report 2020	4.94 mb
31.12.2020	NBK Financial Statements 2020	11.18 mb
31.12.2020	NBK Liquidity Disclosure 4Q 2020	451.89 kb
31.12.2020	NBK NSFR Disclosure 4Q 2020	330.12 kb
31.12.2019	NBK Annual Report 2019	4.64 mb
31.12.2019	NBK Financial Statements 2019	10.24 mb
31.12.2019	NBK Liquidity Disclosure 4Q 2019	451.06 kb
31.12.2019	NBK NSFR Disclosure 4Q 2019	328.93 kb
31.12.2018	NBK Annual Report 2018	3.02 mb
31.12.2018	NBK Financial Statements 2018	3.36 mb
31.12.2018	NBK Liquidity Disclosure 4Q 2018	308.76 kb
31.12.2018	NBK NSFR Disclosure 4Q 2018	220.20 kb
31.12.2017	NBK Annual Report 2017	2.52 mb
31.12.2017	NBK Financial Statements 2017	2.59 mb
31.12.2017	NBK Liquidity Disclosure 4Q 2017	303.98 kb
31.12.2016	NBK Annual Report 2016	2.26 mb
31.12.2016	NBK Financial Statements 2016	2.55 mb
31.12.2016	NBK Liquidity Disclosure 4Q 2016	303.72 kb
31.12.2015	NBK Annual Report 2015	2.82 mb
31.12.2015	NBK Liquidity Disclosure 4Q 2015	206.25 kb
31.12.2014	NBK Annual Report 2014	4.63 mb
31.12.2014	NBK Financial Statement 2014	1.95 mb
31.12.2014	NBK International PLC Pillar 3 Disclosures 2014	89.45 kb
31.12.2013	NBK Annual Report 2013	1.55 mb
31.12.2013	NBK Financial Statements 2013	1.19 mb
31.12.2012	NBK Annual Report 2012	2.86 mb
31.12.2012	NBK Financial Statements 2012	1.20 mb
31.12.2012	NBK at a glance 2012	419.19 kb

Date	Q4	File type	Size

Date	Q3	Size
30.09.2022	NBK Interim Financial Statements 3Q 2022	5.61 mb
30.09.2022	NBK Liquidity Disclosure 3Q 2022	627.58 kb
30.09.2022	NBK NSFR Disclosure 3Q 2022	507.08 kb
30.09.2022	NBK Basel III Capital Disclosure 3Q 2022	873.53 kb
30.09.2021	NBK Interim Financial Statements 3Q 2021	909.57 kb
30.09.2021	NBK Liquidity Disclosure 3Q 2021	450.59 kb
30.09.2021	NBK NSFR Disclosure 3Q 2021	331.03 kb
30.09.2021	NBK Basel III Capital Disclosure 3Q 2021	869.43 kb
30.09.2020	NBK Interim Financial Statements 3Q 2020	830.76 kb
30.09.2020	NBK Liquidity Disclosure 3Q 2020	451.96 kb
30.09.2020	NBK NSFR Disclosure 3Q 2020	330.14 kb
30.09.2020	NBK Basel III Capital Disclosure 3Q 2020	740.55 kb
30.09.2019	NBK Interim Financial Statements 3Q 2019	676.09 kb
30.09.2019	NBK Liquidity Disclosure 3Q 2019	321.29 kb
30.09.2019	NBK NSFR Disclosure 3Q 2019	220.47 kb
30.09.2019	NBK Basel III Capital Disclosure 3Q 2019	471.44 kb
30.09.2018	NBK Interim Financial Statements 3Q 2018	972.74 kb
30.09.2018	NBK Basel III Capital Disclosure 3Q 2018	470.96 kb
30.09.2018	NBK Liquidity Disclosure 3Q 2018	304.41 kb
30.09.2018	NBK NSFR Disclosure 3Q 2018	227.70 kb
30.09.2017	NBK Interim Financial Statements 3Q 2017	627.32 kb
30.09.2017	NBK Basel III Capital Disclosure 3Q 2017	404.21 kb
30.09.2017	NBK Liquidity Disclosure 3Q 2017	276.40 kb
30.09.2016	NBK Interim Financial Statements 3Q 2016	710.94 kb
30.09.2016	NBK Basel III Capital Disclosure 3Q 2016	633.52 kb
30.09.2016	NBK Liquidity Disclosure 3Q 2016	406.83 kb
30.09.2015	NBK Interim Financial Statements 3Q 2015	613.59 kb
30.09.2014	NBK Interim Financial Statements 3Q 2014	115.18 kb
30.09.2013	NBK Interim Financial Statements 3Q 2013	609.03 kb
30.09.2012	NBK Interim Financial Statements 3Q 2012	164.70 kb

Date	Q2	Size
30.06.2022	NBK Financial Statements 2Q 2022	775.46 kb
30.06.2022	NBK Liquidity Disclosure 2Q 2022	627.40 kb
30.06.2022	NBK NSFR Disclosure 2Q 2022	501.88 kb
30.06.2022	NBK Basel III Capital Disclosure 2Q 2022	873.03 kb
30.06.2021	NBK Interim Financial Statements 2Q 2021	2.64 mb
30.06.2021	NBK Liquidity Disclosure 2Q 2021	451.41 kb
30.06.2021	NBK NSFR Disclosure 2Q 2021	331.28 kb
30.06.2021	NBK Basel III Capital Disclosure 2Q 2021	861.13 kb
30.06.2020	NBK Interim Financial Statements 2Q 2020	803.33 kb
30.06.2020	NBK Liquidity Disclosure 2Q 2020	453.51 kb
30.06.2020	NBK NSFR Disclosure 2Q 2020	330.37 kb
30.06.2020	NBK Basel III Capital Disclosure 2Q 2020	483.42 kb
30.06.2019	NBK Interim Financial Statements 2Q 2019	5.45 mb
30.06.2018	NBK Interim Financial Statements 2Q 2018	897.40 kb
30.06.2018	NBK Basel III Capital Disclosure 2Q 2018	467.80 kb
30.06.2018	NBK Liquidity Disclosure 2Q 2018	303.65 kb
30.06.2018	NBK NSFR Disclosure 2Q 2018	228.02 kb
30.06.2017	NBK Interim Financial Statements 2Q 2017	1.00 mb
30.06.2017	NBK Basel III Capital Disclosure 2Q 2017	541.63 kb
30.06.2017	NBK Liquidity Disclosure 2Q 2017	303.69 kb
30.06.2016	NBK Interim Financial Statements 2Q 2016	5.54 mb
30.06.2016	NBK Basel III Capital Disclosure 2Q 2016	726.40 kb
30.06.2016	NBK Liquidity Disclosure 2Q 2016	401.12 kb
30.06.2015	NBK Interim Financial Statements 2Q 2015	459.28 kb
30.06.2014	NBK Interim Financial Statements 2Q 2014	572.31 kb
30.06.2013	NBK Interim Financial Statements 2Q 2013	489.50 kb
30.06.2012	NBK Interim Financial Statements 2Q 2012	101.71 kb
30.06.2019	NBK Liquidity Disclosure 2Q 2019	450.47 kb
30.06.2019	NBK NSFR Disclosure 2Q 2019	329.50 kb
30.06.2019	NBK Basel III Capital Disclosure 2Q 2019	487.54 kb

Date	Q1	Size
31.03.2022	NBK Interim Financial Statements 1Q 2022	671.12 kb
31.03.2022	NBK Liquidity Disclosure 1Q 2022	627.08 kb
31.03.2022	NBK NSFR Disclosure 1Q 2022	507.10 kb
31.03.2022	NBK Basel III Capital Disclosure 1Q 2022	876.51 kb
31.03.2021	NBK Interim Financial Statements 1Q 2021	772.53 kb
31.03.2021	NBK Liquidity Disclosure 1Q 2021	450.47 kb
31.03.2021	NBK NSFR Disclosure 1Q 2021	330.42 kb
31.03.2021	NBK Basel III Capital Disclosure 1Q 2021	569.00 kb
31.03.2020	NBK Interim Financial Statements 1Q 2020	503.39 kb
31.03.2020	NBK Liquidity Disclosure 1Q 2020	450.33 kb
31.03.2020	NBK NSFR Disclosure 1Q 2020	329.93 kb
31.03.2020	NBK Basel III Capital Disclosure 1Q 2020	640.93 kb
31.03.2019	NBK Interim Financial Statements 1Q 2019	5.33 mb
31.03.2019	NBK Liquidity Disclosure 1Q 2019	307.75 kb
31.03.2019	NBK NSFR Disclosure 1Q 2019	232.82 kb
31.03.2019	NBK Basel III Capital Disclosure 1Q 2019	486.93 kb
31.03.2018	NBK Interim Financial Statements 1Q 2018	930.59 kb
31.03.2018	NBK Basel III Capital Disclosure 1Q 2018	467.45 kb
31.03.2018	NBK Liquidity Disclosure 1Q 2018	315.88 kb
31.03.2018	NBK NSFR Disclosure 1Q 2018	215.01 kb
31.03.2017	NBK Interim Financial Statements 1Q 2017	449.29 kb
31.03.2017	NBK Basel III Capital Disclosure 1Q 2017	257.54 kb
31.03.2017	NBK Liquidity Disclosure 1Q 2017	303.91 kb
31.03.2016	NBK Interim Financial Statements 1Q 2016	690.84 kb
31.03.2016	NBK Basel III Capital Disclosure 1Q 2016	483.28 kb
31.03.2016	NBK Liquidity Disclosure 1Q 2016	218.41 kb
31.03.2015	NBK Interim Financial Statements 1Q 2015	586.78 kb
31.03.2014	NBK Interim Financial Statements 1Q 2014	553.07 kb
31.03.2013	NBK Interim Financial Statements 1Q 2013	146.91 kb
31.03.2012	NBK Interim Financial Statements 1Q 2012	428.84 kb

Debt Securities

Find, review and download documents related to NBK’s issued debt securities

DOWNLOAD DEBT SECURITIES DOCUMENTS

Issuer	Programme	Document
2022
NBK SPC Limited	USD 5 Billion Global Medium Term Note Programme	NBK SPC Limited GMTN Issuance Programme Prospectus
		NBK SPC Limited - Agency Agreement
		NBK SPC Limited - Deed of Covenant
		NBK SPC Limited - Deed of Guarantee
		NBK SPC Limited - Deed Poll
2021
NBK Tier 1 Limited	USD 700 Million Perpetual Tier 1 Capital Securities	NBK Tier 1 Limited - Prospectus
		NBK Tier 1 Limited - Articles of Association
		NBK Tier 1 Limited - Certificate of Incorporation
		NBK Tier 1 Limited - Agency Agreement
		NBK Tier 1 Limited - Deed Poll
		NBK Tier 1 Limited - Subordinated Guarantee
2020
NBK Tier 2 Limited	NBK US$ Tier 2 Notes	NBK US$300mn Tier 2 – Prospectus
		NBK Tier 2 Limited – Articles of Association
		NBK Tier 2 Limited – Certificate of Incorporation
National Bank of Kuwait S.A.K.P.	NBK KD Tier 2 Bonds	NBK KD Tier 2 Bonds Prospectus
2019
NBK Tier 1 Financing (2) Limited	USD 750 Million Perpetual Tier 1 Capital Securities	NBK Tier 1 Financing (2) Prospectus
		NBK Tier 1 Financing (2) Limited Articles of Association
		NBK Tier 1 Financing (2) Certificate of Incorporation
		NBK Tier 1 Financing (2) Agency Agreement
		NBK Tier 1 Financing (2) Deed Poll
		NBK Tier 1 Financing (2) Subordinated Guarantee
2017
NBK SPC Limited	USD 3 Billion Global Medium Term Note Programme	NBK SPC Limited GMTN Issuance Programme Prospectus NBK SPC Limited Articles of Association
2015
NBK Tier 1 Financing Limited	USD 700 Million Perpetual Tier 1 Capital Securities	NBK Tier 1 Financing Prospectus
Other Documents
NBK Memorandum and Articles of Association of National Bank of Kuwait S.A.K.P.

For more information about our debt securities, download the debt securities summary sheet below

Latest Annual Report

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2021 Annual Report

ESG Profile

ESG Profile shares our sustainability-related commitments, activities and initiatives, as well as our performance and progress against these goals. NBK is increasingly in the purview of external regional and global ESG rating agencies. Our goal is to celebrate our successes, but also, to communicate our challenges transparently.

Credit Rating and Awards

NBK holds one of the highest credit ratings and a long history of awards and recognitions. Access all details about NBK’s credit ratings and awards.

Ratings

Awards

Bank Level

Global Finance

2023

Best Private Bank Sustainable Investing in the Middle East

2022

Best in Lending - ME

2022

Best Mobile Banking App - ME

2022

Outstanding Innovation in Mobile Banking - Weyay

2022

Best Bank for Sustainable Finance in Kuwait

2022

Most Innovative Private Bank Middle East

2022, 2023

Best SME Bank Kuwait

2021 - 2022

Best Bill Payment & Presentment - Kuwait

2021 - 2022

Best Financial Innovation Labs in Kuwait

2021 - 2022

Most Innovative Digital Bank - Kuwait

2021 - 2022

Most Innovative Digital Bank - Middle East

2021 - 2022

Best in Lending - Kuwait

2021 - 2022

Best Online Product Offerings - Kuwait

2021 - 2022

Best Online Product Offerings - Middle East

2020 - 2022

Best Consumer Digital Bank in Middle East

2018 - 2022

Best Consumer Digital Bank in Kuwait

2018, 2021 - 2022

Best Mobile Banking App - Kuwait

2015 - 2022

Best Private Banking in Kuwait

2014 - 2022

Best Bank in Kuwait

2013 - 2023

Best Foreign Exchange Provider in Kuwait

2008 - 2018, 2020 - 2022

Best Trade Finance Bank in Kuwait

2021

Best in Social Media Marketing and Services - Kuwait

2020 - 2021

World’s Top 50 Safest Commercial Banks

2013 - 2017, 2019 - 2021, 2023

Best Foreign Exchange Provider in the Middle East

2019

Best Bank for Liquidity Management in the Middle East

2019

Best Bank for Cash Management in Kuwait

2019

Best Emerging Markets Bank Worldwide

2019

The Innovators - Real Time End-To-End Payment Tracking on Customer Payment

2018 - 2019

Best in Mobile Banking - Consumer in Kuwait

2006 - 2019

World’s Top 50 Safest Banks for 14 consecutive times

2016

Best Bank for Financial Risk Management Kuwait

2016

Best Bank for Financial Risk Management Middle East

2016

Best Innovator in Trade Finance

2010 - 2016

Best Emerging Market Bank in Kuwait

2015

Best Bank in the Middle East

2010 - 2013, 2015

Best Emerging Market Bank in the Middle East

2011 - 2012

Best Provider of Money Markets Fund in the Middle East

Euro Money

2022

Best Bank for Diversity & Inclusion in Kuwait

2022

Best Bank for ESG in Kuwait

2022

Best Bank for Digital Solutions in Kuwait

2022

Best Private Bank/Technology: Innovative or Emerging Technology Adoption in Kuwait

2022

Best Private Bank/Wealth Manager for Mass/Super Affluent Clients in Kuwait

2022

Best Private Bank/Wealth Manager for Ultra High Net worth Clients in Kuwait

1994 - 2018, 2021

Best Bank in Kuwait

2018

Best Cash Management for Non-Financial Institutions

2006, 2009, 2015 - 2018

Best Private Banking in Kuwait

2007, 2008, 2010, 2011, 2013

Best Bank in the Middle East

2012, 2013

Best Managed Company in the Middle East

2009

Best Investment Bank in Kuwait

2008

Outstanding Contribution to Middle East Banking

The Banker

2007, 2008, 2010, 2011, 2013 - 2019, 2021, 2022

Bank of The Year - Kuwait

2021, 2022

Innovation in Digital Banking Award - Middle East

2007, 2008, 2010, 2011, 2022

Bank of The Year - Middle East

2009

Best Customer Service and Project Finance in the Middle East

2007 - 2009

Best Deal of the Year in the Middle East

2001, 2002, 2004, 2005, 2007

Best Deal of the Year in Kuwait

Brand Finance

2015 - 2022

Number 1 Banking Brand in Kuwait

MEED

2022

Best Credit Card Initiative in MENA

2022

Best Youth Program Initiative

2021, 2022

Best Retail Bank in Kuwait

2021

Best Loyalty/Rewards Programme in the Middle East

Investor Relations Contact

If you have any inquiries, please contact NBK's Investor Relations unit:

Email - Investor-Relations@nbk.com

National Bank of Kuwait (NBK)

PO Box 95, 13001 Safat Kuwait
Abdullah Al Ahmad Street, Sharq
State of Kuwait.

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Sustainable Finance